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	<td><span class="topic">no claims question/scenario</span><br /><span class="gensmall"><a href="https://www.fiesta-si.com/forums/viewtopic.php?f=116&amp;t=21168">https://www.fiesta-si.com/forums/viewtopic.php?f=116&amp;t=21168</a></span></td>
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		<td width="10%" nowrap="nowrap">Author:&nbsp;</td>
		<td><b>james_rs</b> [ Tue Dec 14, 2010 11:35 pm ]</td>
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		<td><b>no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />Right heres one, hope someone can answer because i cant get it round my head lol<br /><br />Ive got my policy on my fiesta, just me on it, 4 years no claims bonus bla bla<br /><br />Im getting a polo too, want to start a new policy, in my name, with my girlfriend as a named driver. Am i right in thinking, that 1 this would start to build me a another no claims bonus up, and 2, if my girlfriend was to have an accident (god forbid!) that it wouldnt effect my fiestas policy/no claims?<br /><br /><br />Hope that make sense, just want to be sure!<br /><br />Many thanks.

		

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		<td><b>Ry</b> [ Wed Dec 15, 2010 12:04 am ]</td>
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		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />As far as I know you do start to build more no claims up on a secondary vehicle, and some companies may allow you to split you NCB and use them on separate cars if you wish too, or so I have heard.<br /><br />If your girlfriend is added on your policy and she crashes, then yes it would effect your insurance I believe, how much I'm not too sure but if she was driving it 3rd party/fully comp via her own insurance policy, then it would be on her solely.<br /><br />I wonder if one of SkyInsurance could pop in to confirm? <img src="./images/smilies/smile.gif" alt=":)" title="Smile" />

		

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		<td><b>Chris</b> [ Wed Dec 15, 2010 12:22 am ]</td>
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		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />If she's on your insurance and crashes she kills your NCB.<br /><br />but if your on hers she builds up her own no claims.<br /><br />I don't know anything about splitting the NCB, but if your starting again with her on the policy it's still going to be expensive if your trying to get it cheaper?<br /><br />I was on my parents insurance and they were forever telling me not to crash because they would lose all there NCB.<br /><br />Hope that kinda helps <img src="./images/smilies/icon_confused.gif" alt=":?" title="Confused" />

		

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		<td><b>james_rs</b> [ Wed Dec 15, 2010 12:37 am ]</td>
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		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />

		

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		<td><b>Chris</b> [ Wed Dec 15, 2010 1:19 am ]</td>
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		<td width="10%" nowrap="nowrap">Post subject:&nbsp;</td>
		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />I see. Sorry<br /><br />If you've got the seperate policy and your not using the McBride for a discount then I shouldn't think so.<br />But if youvare using it on that policy then it would be lost.<br /><br />But I could be wrong/other ways around it.

		

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		<td><b>james_rs</b> [ Wed Dec 15, 2010 8:32 am ]</td>
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		<td width="10%" nowrap="nowrap">Post subject:&nbsp;</td>
		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" />haha <img src="./images/smilies/icon_lol.gif" alt=":lol:" title="Laughing" /> @ mcbride!<br /><br />its a second car to me, and having her (shes a new driver) on it is not much more so thinking why not!<br /><br />keeping my well earned no claims on my fiesta!<br /><br />edit, found this<br /><br /><br />Hopefully someone can confirm.

		

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		<td><b>Chris</b> [ Wed Dec 15, 2010 10:41 am ]</td>
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		<td><b>Re: no claims question/scenario</b></td>
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		<td colspan="2"><hr class="sep" /><img src="./images/smilies/icon_lol.gif" alt=":lol:" title="Laughing" /> where the fudge did mcbride come from? Phones can correct things in very strange ways

		

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